I purchase a 5 yr Ashley Warranty to cover my items up to 5K. I have had to use them twice. First time about a stain that would not lift from a microfiber couch and broken wood chair "foot rest bar", I called claim in, answered questions, they sent a tech out to repair, he repaired the chair foot bar, and said he fixed the stains on couch, stains never came out, called again about a year later for same dining set, different chair, this time customer service very rude, said they have a new policy that is totally archaic, you have to print out a claim form, 4 pages, sign and then mail it back before anything is actually done. I asked why different then last claim, and service reps were very rude, unhelpful and first time i called for the second claim, wasn't even made aware of the new change. They are incompetent, they do not notify of any changes in policy, and will do their damn-est to sway you from filing a claim. I paid good money for a warranty for the expensive furniture and they fight you every step of the way. Very Very dissatisfied and the hassle and time is not worth the extra money.